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Lowell, MA

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US location · verified

Neighborhood intelligence

Your Lowell relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Lowell.

Median rent

$1,625/mo

ACS 2024 5-year

Median household income

$78,658

ACS 2024 5-year

Median home value

$429,200

ACS 2024 5-year

Safety score

57/100

FBI CDE

Weather

57°F (H 65° / L 49°)

Open-Meteo

Buying in Lowell? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

57/100

FBI CDE

Typical urban safety profile — 11% above average FBI data, 2023–2024

Good

Noise Level

40 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 57°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 54 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Lowell MA

Lowell posts 57/100 on safety against $1,625/month typical rent. Here is what the numbers actually mean.

Lowell has about 118,368 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Lowell MA Safe?

Lowell MA scores 57/100 on safety (below average). Crime is about 11% above the national average. Expect more property crime (car break-ins, package theft) than a quiet suburb.

Detail: overall crime index 111 (100 = avg); violent crime index 130; property crime index 91. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Lowell MA

School quality varies by neighborhood in Lowell. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Lowell MA

Typical rent in Lowell is about $1,625/month (on the high side). At $1,625/month for a typical unit, you need about $58,500+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $429,200.

Median household income is $78,658, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($78,658) clears the $58,500 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Lowell MA

Average temperature is about 57°F (highs near 65°F, lows near 49°F).

Cooler months cut into patio season; plan indoor hobbies for part of the year. Heating will show up on winter bills more than AC does in summer. If you visit, go in January. That is when the cold is honest.

Who Should Move to Lowell MA?

Who tends to thrive in Lowell: (1) Households earning $58,500+ who can clear the 3× rent rule at $1,625/month (2) Movers with a locked job offer in Lowell who already priced rent and commute (3) Buyers comparing mid-size metros who will tour multiple ZIPs before signing (4) People who will visit on a weekday and a weekend before committing (not just a long weekend)

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 57/100) (2) Anyone stretching past 40% of take-home on housing at $1,625/month (3) Households expecting top marks on rent and safety at once (Lowell does not clear every bar)

Income sniff test: clear about $58,500 household income for $1,625/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Lowell scores 57/100 on safety with $1,625/month typical rent. Run the numbers against your income before committing.

Next steps

Tools for your move

Quotes and listings for Lowell when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Lowell.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$2,937

Mortgage + tax + insurance + HOA

Annual property tax

$6,223

Annual est. $5,580

Est. monthly utilities

$761

Climate-adjusted electric, gas & water

Median home price

$429,200

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$386k
2022
$396k
2023
$407k
2024
$418k
2025
$429k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$1,312/mo vs buying
$1,625ACS 2024 5-year
Rent
$2,937
Buy

Mortgage

$2,170

Property tax

$519

Insurance

$153

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$5,695/yr

2024

1.37%

$5,866/yr

2025

1.41%

$6,042/yr

2026

1.45%

$6,223/yr

Buying in Lowell? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

45 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,839/yr

moderate exposure
Wind hazard index54 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 57°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,839.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Lowell to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo